Joseph Malko NMLS #1720279

• Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
• Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.
• Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.
• Explained different types of loans pertaining to client situations.

• Located and pre-qualified customers for mortgages.
• Produced and executed loan packages.
• Networked with realtors and current clients to generate referrals.
• Explained different types of loans pertaining to client situations.
• Worked with underwriters to fix application problems and resolve issues.

Helped clients with mortgage options

Negotiated rate and term

Followed up

• Submitted loan applications to underwriter for verification and recommendations.
• Proactively identified solutions for customers experiencing credit issues.
• Monitored pipelines to track and log status of loans.

• Advised clients on mortgage
• Produced and executed loan packages.
• Located and pre-qualified customers for mortgages.
• Networked with realtors and current clients to generate referrals.
• Evaluated client financial positions and identified the most appropriate banking products.
• Developed and maintained relationships with local real estate agents.

Made 100-125 phones calls
made appointments at least 2 a day
Filled out credit apps
discussed financing options with customers
Guided customers threw car buying process 

Showed features and benefits of the product

negotiated 

close deals 

Responded to internet inquiries and phone calls in a timely matter.

Made 100-125 phones calls to set a minimum of 2 appointments

Managed day to day Leads and distributed leads to sales team
Guided customers threw car buying experience

Showed features and benefits of product
Filled out credit apps
Discussed credit situation's with customers

Negotiate 

Closed deals 

made 60 phones calls to set 2 appointments

Filled out credit apps
Discussed financing options with customers
Guided customers threw car buying experience
 negotiated

closed deals